Operator: Hello everyone and welcome to the Ameris Bancorp fourth quarter 2022 conference call, and thank you for standing by. My name is Daisy and I will be coordinating your call today.
Operator: Good day and thank you for standing by. Welcome to the Atlantic Union Bankshares Fourth Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode.
Operator: Good day, and thank you for standing by. Welcome to the Eagle Bancorp Fourth Quarter and Year End 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode.